Can I retire at age 35 with 756,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $756,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%17.9%
1 years$62,430$61,874$61,331$60,802$60,285$58,355
2 years$30,906$30,330$29,772$29,232$28,707$26,781
3 years$20,399$19,821$19,265$18,729$18,213$16,350
4 years$15,147$14,571$14,020$13,493$12,990$11,205
5 years$11,996$11,424$10,880$10,364$9,874$8,173
6 years$9,897$9,328$8,793$8,288$7,813$6,196
7 years$8,398$7,834$7,307$6,814$6,354$4,821
8 years$7,274$6,715$6,197$5,716$5,272$3,821
9 years$6,400$5,847$5,337$4,869$4,439$3,071
10 years$5,701$5,154$4,653$4,197$3,783$2,493
11 years$5,130$4,588$4,096$3,653$3,253$2,041
12 years$4,655$4,118$3,636$3,204$2,819$1,681
13 years$4,253$3,721$3,248$2,829$2,458$1,392
14 years$3,908$3,383$2,918$2,511$2,155$1,157
15 years$3,610$3,090$2,635$2,239$1,897$965
16 years$3,349$2,835$2,389$2,005$1,677$807
17 years$3,120$2,611$2,174$1,802$1,487$677
18 years$2,916$2,413$1,984$1,624$1,322$568
19 years$2,733$2,236$1,817$1,467$1,178$478
20 years$2,569$2,078$1,667$1,329$1,053$403
21 years$2,421$1,935$1,534$1,206$942$340
22 years$2,287$1,807$1,413$1,096$844$287
23 years$2,164$1,690$1,305$998$758$242
24 years$2,052$1,583$1,207$911$681$205
25 years$1,949$1,486$1,118$832$613$173
26 years$1,854$1,396$1,037$760$552$146
27 years$1,766$1,314$963$696$498$124
28 years$1,685$1,238$895$638$449$105
29 years$1,609$1,168$833$585$406$89
30 years$1,539$1,103$776$537$366$75
31 years$1,473$1,043$723$493$331$64
32 years$1,412$987$675$453$300$54
33 years$1,354$935$630$417$271$46
34 years$1,300$886$589$383$246$39
35 years$1,249$840$550$353$222$33
36 years$1,201$797$515$325$202$28
37 years$1,155$757$482$299$183$24
38 years$1,113$720$451$276$166$20
39 years$1,072$684$423$254$150$17
40 years$1,034$651$396$235$136$14
41 years$997$620$372$217$124$12
42 years$962$590$349$200$112$10
43 years$930$562$327$184$102$9
44 years$898$536$307$170$92$7
45 years$868$511$288$157$84$6
46 years$840$488$271$145$76$5
47 years$813$465$254$134$69$5
48 years$787$444$239$124$63$4
49 years$762$424$225$115$57$3
50 years$738$405$211$106$52$3

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $756,000, adding $6,925 every year, while hoping to spend $50,043 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 52/27/21 Blend
34$756,000$756,000$756,000$756,000
35$840,255$800,187$788,469$878,739
36$872,716$786,151$761,637$891,968
37$906,810$769,750$732,230$900,600
38$942,652$750,815$700,107$908,931
39$980,366$729,168$665,123$916,950
40$1,020,085$704,619$627,127$924,646
41$1,061,957$676,968$585,959$932,013
42$1,106,141$646,004$541,453$939,047
43$1,152,812$611,503$493,436$945,746
44$1,202,159$573,227$441,727$952,113
45$1,254,390$530,926$386,136$958,155
46$1,309,732$484,336$326,465$963,884
47$1,368,431$433,175$262,508$969,317
48$1,430,759$377,148$194,050$974,480
49$1,497,010$315,942$120,864$979,404
50$1,567,509$249,227$42,717$984,130
51$1,642,610$176,654$0$988,710
52$1,722,700$97,854$0$1,002,321
53$1,808,204$12,438$0$1,026,730
54$1,899,589$0$0$1,052,506
55$1,997,363$0$0$1,103,588
56$2,102,087$0$0$1,162,308
57$2,214,374$0$0$1,225,321
58$2,334,898$0$0$1,293,013
59$2,464,396$0$0$1,365,804
60$2,603,680$0$0$1,444,158
61$2,753,641$0$0$1,528,584
62$2,915,256$0$0$1,619,641
63$3,089,599$0$0$1,717,942
64$3,277,851$0$0$1,824,163
65$3,481,306$0$0$1,939,045
66$3,701,392$0$0$2,063,403
67$3,939,673$0$0$2,198,132
68$4,197,873$0$0$2,344,217
69$4,477,884$0$0$2,502,743
70$4,781,788$0$0$2,674,900
71$5,111,877$0$0$2,861,998
72$5,470,668$0$0$3,065,479
73$5,860,934$0$0$3,286,930
74$6,285,723$0$0$3,528,095
75$6,748,389$0$0$3,790,895
76$7,252,626$0$0$4,077,442
77$7,802,496$0$0$4,390,064
78$8,402,471$0$0$4,731,319
79$9,057,473$0$0$5,104,027
80$9,772,921$0$0$5,511,290
81$10,554,779$0$0$5,956,523
82$11,409,615$0$0$6,443,487
83$12,344,659$0$0$6,976,322
84$13,367,873$0$0$7,559,588
85$14,488,022$0$0$8,198,305
86$15,714,760$0$0$8,898,002
87$17,058,717$0$0$9,664,767
88$18,531,601$0$0$10,505,306
89$20,146,306$0$0$11,427,004
90$21,917,032$0$0$12,437,995
91$23,859,419$0$0$13,547,238
92$25,990,696$0$0$14,764,602
93$28,329,838$0$0$16,100,957
94$30,897,747$0$0$17,568,277
95$33,717,448$0$0$19,179,752
96$36,814,305$0$0$20,949,911
97$40,216,258$0$0$22,894,763
98$43,954,088$0$0$25,031,940
99$48,061,703$0$0$27,380,869
100$52,576,460$0$0$29,962,952